I prefer a physical copy. I don't really know why though... probably because it's just like with money and paying with a card or via paypal. When I don't pay with bills and coins I can spend so much money without seeing any instant change. (like a more empty purse) so it feels like spending nothing (which can become dangerous) so I think when I download a game it's like having downloaded nothing. And if you didn't get the points via scratch card that you purchased in a store but via credit card then it's like spending nothing and getting nothing...